Michael Bains

I recently joined Burfields House and have over 30 years combined experience in both the banking and finance services industry. Having completed my Diploma in Financial Planning I am also qualified for advice in Mortgages, *Equity Release and Long-Term Care, an area that I hold a keen interest in. Prior to joining Burfields House, I have had an extensive career which has led to a wealth of experience and knowledge, allowing me to provide my clients with wide-ranging financial advice, whether it be for their personal use or business needs. I'm a member of the Chartered Insurance Institute (CII), the Society of Mortgage Professionals (SMP), the Equity Release Council (ERC), and also an associate member of the Society of Later Life Advisers (SOLLA). My passion is to offer holistic advice to my clients focusing on building long lasting relationships with them and their wider families, with empathy and integrity central to everything. I feel a great privilege that my level of service and advice is able to offer positive outcomes for my clients and their families, not just now but for the years to come as their needs evolve. Your home or other property may be repossessed if you do not keep up repayments on your mortgage. The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested. An investment in equities does not provide the security of capital associated with a deposit account with a bank or building society. The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances. Equity release is a lifetime mortgage or home reversion plan. To understand the features and risks associated with such products, please ask for a personalised illustration. This Partner/Partner Practice is an Appointed Representative of and represents only St. James's Place Wealth Management Plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the Group's wealth management products and services, more details of which are set out on the Group's website at www.sjp.co.uk/products. The ‘St. James’s Place Partnership’ and titles ‘Partner’ and ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives. SJP Approved 15/11/2024